975 1st St, Lafayette, CA 94549 Property Records

Contra Costa County property record for 975 1st St, Lafayette, CA 94549

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,510 sqft · built 1938
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$1,620,000 (Sep 2025)
Tax Bill	$17,511 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Sep 2025 Sale + 2 more
Flood Zone	Zone X (moderate risk)
APN	`243-222-010-7`

Property Details

APN / Parcel Number

Primary APN	`243-222-010-7`
Alternative APN	`243-222-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,510 sqft Living Area
1st Floor Area	1,510 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1990
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	975 1ST ST
City	LAFAYETTE
State	CA
Zip	94549-4415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAFAYETTE HOMESITES POR LOT 6 BLK 3
Legal Subdivision	LAFAYETTE HOMESITES
Legal Block	3
Legal Lot Number	6
Jurisdiction	CONTRA COSTA CA
Township / Civil Division	CENTRAL CONTRA COSTA
Census Block Group	3
Census Block	3010
Census Tract	349000

Owner

Source: Contra Costa County records, as of July 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3541 S SILVER SPRINGS RD, LAFAYETTE, CA 94549-5236
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2025	Deed of Trust, Mortgage · Commercial Mortgage SECURED INCOME FUND-II LLC
Sep 24, 2025	Grant Deed, Transfer CHICAGO TITLE COMPANY
Dec 23, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 17, 2019	Grant Deed, Transfer · ARM FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	May 17, 2019 · Amount on Record
Deed Document Number	202599577
Prior Transfer Date	Jun 6, 1997
Prior Transfer Doc	0000111970
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONTRA COSTA CA
Property Address	975 1ST ST, LAFAYETTE, CA 94549-4415
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 1ST ST, LAFAYETTE, CA 94549-4415

Mortgage

Document Number	0000083056
Date	Aug 15, 2025
Instrument	2025- 083056

Lender

Name	SECURED INCOME FUND-II LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Sep 24, 2025
Property Address	975 1ST ST, LAFAYETTE, CA 94549-4415
Document Number	0000099577
Map Reference	VOL 12 PG 266
Instrument Date	Sep 18, 2025
Instrument	2025- 099577
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3541 S SILVER SPRINGS RD, LAFAYETTE, CA 94549-5236

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	Dec 23, 2020
Property Address	975 1ST ST, LAFAYETTE, CA 94549-4415
Document Number	0000323786
Instrument Date	Nov 25, 2020
Instrument	323786
Transaction Type	Transfer
Record Updated	Jan 8, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	975 1ST ST LAFAYETTE CA 945494415, LAFAYETTE, CA 94549-4415

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CONTRA COSTA CA
Recording Date	May 17, 2019
Property Address	975 1ST ST, LAFAYETTE, CA 94549-4415
Document Number	0000071732
Map Reference	VOL 12 PG 266
Instrument Date	May 13, 2019
Instrument	2019-071732
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 1ST ST, LAFAYETTE, CA 94549-4415

Mortgage

Document Number	0000071733
Date	May 17, 2019
Instrument	2019-071733

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	6.37%
Index	1-Year LIBOR
Max Rate	9.37%

Tax Assessment & Valuation

Source: Contra Costa County assessment roll, as of July 14, 2026

Property Jurisdictions

Type	Name
State	California
County	Contra Costa County
Municipality	Lafayette City
Secondary School District	Acalanes Union High School District (09 - 12)
Elementary School District	Lafayette Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,619,700 (+5.6%) Land $1,300,000 Building $319,700
2025	$17,511.00 (-4.16%) Homeowner's exemption	$1,533,834 (+4.04%) Land $1,115,517 Building $418,317
2023	$18,272.00 (+1.54%)	$1,474,275 Land $1,072,201 Building $402,074
2022	$17,995.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective October 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	6 (1982–2002)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Dec 2002 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Feb 1986 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 459 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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